In February 2026, Kelly Guzzo, PLC filed a class action lawsuit in the United States District Court for the Eastern District of Virginia against a network of conspirators behind illegal loans issued by Strategic Solutions Services, Arrow Mountain Funding, Line of Credit Now, Arrow Valley Loans, Green Funds Go, and Uncle Warbucks. The lawsuit alleges that this network of payday lenders issued small-dollar loans with triple-digit interest rates, often upwards of 400%. The lawsuit further alleges that this network falsely associated themselves with the Canadian First Nation Mohawk Community of Kahnawake to avoid U.S. state regulations and usury laws that expressly prohibit their predatory loan practices.
The defendants in this lawsuit created a false association with the Mohawk Community to further their illegal usurious lending scheme through multiple lending websites. Through these websites, borrowers could apply for fast payday loans or other online loans, often receiving funds within hours. However, the loans carried triple-digit interest rates that far exceed the interest rate caps in nearly every state in the U.S., causing borrowers to pay thousands more than state consumer protections allow.
Further, the defendants in this lawsuit attempted to evade state usury laws, consumer protection laws, and payday loan regulations by falsely claiming affiliation with Canadian First Nations and also requiring disputes to be decided before a fictitious “First Nations Lenders’ Authority,” i.e., the FNLA. Loan agreements allegedly stated that the loans were governed by tribal law rather than the laws of the borrower’s home state, which the defendants claim made the loans exempt from state interest rate caps and lending regulations. However, these representations were inaccurate—both as a matter of fact and law. Many states have strict laws limiting interest rates for consumer loans, and courts have increasingly scrutinized tribal payday lending schemes and other structures used by lenders to bypass state lending laws.
The class action lawsuit filed by Kelly Guzzo, PLC seeks to represent consumers nationwide who obtained loans from the defendants’ lending brands and made payments on loans issued by Strategic Solutions Services, Arrow Mountain Funding, Line of Credit Now, Arrow Valley Loans, Green Funds Go, and Uncle Warbucks. Our clients are asking the Court to declare the loans void and unenforceable, require the defendants to return money collected from borrowers, and award damages.
If you obtained a loan from Strategic Solutions Services, Arrow Mountain Funding, Line of Credit Now, Arrow Valley Loans, Green Funds Go, or Uncle Warbucks, or if you have experienced similar predatory lending practices from other entities, you may be entitled to financial relief. Contact Kelly Guzzo, PLC to learn more about your rights as a potential class member or consumer plaintiff. We have successfully litigated similar cases in the past that have resulted in billions of dollars of loan relief for consumers along with large financial settlements for damages. There is no out-of-pocket cost for these services, and we only recover our fees if there is a successful recovery for consumers.